Compare 2000 Mercury Cougar Insurance Quotes

Want cheaper auto insurance rates for your Mercury Cougar? Nobody likes paying for auto insurance, especially knowing the cost is way too high.

Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurer and get the definite lowest cost out there.

If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Buying car insurance is not rocket science. Nevertheless, vehicle owners do need to know the methods companies use to sell online and use this information to your advantage.

Are you getting all your discounts?

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you quote, but some must be asked for in order for you to get them.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Own a Home – Simply owning a home can help you save on car insurance because owning a home shows financial diligence.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Organization Discounts – Being a member of a qualifying organization could trigger savings on your policy for Cougar coverage.
  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Accident Forgiveness – Certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Student in College – Youth drivers who are attending college and don’t have a car may be able to be covered for less.

It’s important to note that most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will cut the cost of coverage.

For a list of insurers with discount car insurance rates, click this link.

Pieces of the Mercury Cougar insurance rate puzzle

An important part of buying insurance is that you know some of the elements that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in big savings.

The following are a partial list of the pieces used by your company to calculate premiums.

  • Consolidate policies to earn discounts – Some insurers provide better rates to customers who carry more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount, you may still want to compare other company rates to ensure the best deal. Drivers may still find better rates by splitting coverages up.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes are in accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • More claims means more premium – Auto insurance companies give lower rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Older drivers pay less – Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Young drivers are known to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher.
  • Adjust deductibles and save – Your deductibles represent how much money you are willing to pay before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Cougar coverage.
  • Discounts for married couples – Being married helps lower the price on your policy. Having a significant other is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation may require specific advice.

  • Can I afford to buy a different vehicle if my 2000 Mercury Cougar is totaled?
  • Is my trailer covered?
  • Do all my vehicles need collision coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is pleasure use cheaper than using my 2000 Mercury Cougar to commute?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, vandalism, damage from getting keyed, falling objects and a broken windshield. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, sideswiping another vehicle, crashing into a building, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mercury Cougar.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills for doctor visits, funeral costs, rehabilitation expenses, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance – This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Best coverage at the best price

Cheap 2000 Mercury Cougar insurance is definitely available online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

We just showed you a lot of information how to shop for insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

To read more, link through to the articles below: